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Small Business Lending

Small business lending is a top priority for CBA’s member banks. CBA strongly believes small businesses are the lifeblood of the U.S. economy and we remain committed to improving the small business lending environment and process through pro-business legislation and regulation. Collectively, CBA’s member banks have over $200 billion in small business loans on their books, and remain committed to exploring innovative ways to address the needs of lenders and borrowers alike.

On Wednesday, September 13, 2017, CBA submitted comments on the CFPB’s Request for Information about the small business lending market. Section 1071 of the Dodd-Frank Act, which amends the Equal Credit Opportunity Act (ECOA) to require financial institutions to compile, maintain, and report information concerning credit applications made by women-owned, minority-owned, and small businesses. Under...

It’s very tempting for marketers to think of their marketing activities in terms of channels like search, display, direct mail, and email. This approach can be dangerous as consumers don’t think by channel. Savvy marketers should be looking deeper to see a more powerful prediction of behavior and common thread that ties these channels together: Marketing Signals. Consumers create signals when...

Getting businesses to shift their banking relationship is a challenge. However, most banks still have limited or no direct marketing budget targeted to small businesses. Banks not capitalizing on this high return opportunity often tend to relate a history of underwhelming results from small business campaigns. This is not surprising, given the analytic complexity necessary for success. However,...

July 13, 2017 The Honorable Blaine Luetkemeyer Chairman Committee on Financial Services Subcommittee on Financial Institutions and Consumer Credit U.S. House of Representatives 2230 Rayburn House Office Building Washington, D.C. 20515 The Honorable Lacy Clay Ranking Member Committee on Financial Services Subcommittee on Financial Institutions and Consumer Credit U.S. House of Representatives 2428...

On Thursday, June 29, 2017, the House Committee on Small Business Subcommittee on Economic Growth, Tax, and Capital Access held a hearing entitled, “A Review of SBA’s 504/CDC Loan Program.” During the hearing the subcommittee members questioned witnesses about the effectiveness of the program and its functionality. The hearing featured testimonies from: Ms. Natasha Merz, Vice President of Langley...

On Thursday, June 8, 2017, the U.S. House of Representatives passed House Financial Services Committee Chairman Jeb Hensarling’s (R-TX) alternative to Dodd-Frank, the Financial CHOICE Act, H.R. 10. The bill passed by a partisan vote of 233 to 186. With a structured rule in place, only six amendments were considered, keeping the bill substantially similar to the version that passed the House...